Aroostook County Federal Savings & Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Aroostook County Federal Savings & Loan Association of Caribou, ME against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.81% | 1.35% | -0.54% | 23rd bottom |
| ROAE | 8.07% | 13.32% | -5.25% | 26th below |
| Net Interest Margin | 3.35% | 3.93% | -0.58% | 22nd bottom |
| Efficiency Ratio | 72.46% | 61.13% | +11.33% | 24th bottom |
| PPNR / Avg Assets | 1.00% | 1.68% | -0.68% | 20th bottom |
| Yield on Earning Assets | 5.68% | 5.67% | +0.01% | 54th above |
| Cost of Funds | 2.62% | 1.88% | +0.74% | 12th bottom |
| Net Interest Spread | 3.09% | 3.32% | -0.23% | 37th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.39% | 0.94% | -0.55% | 51st above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.53% | 0.70% | -0.17% | 37th below |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 86th top |
| ACL / Total Loans | 0.54% | 1.28% | -0.74% | 3rd bottom |
| ACL / NPLs (Coverage) | 137.00% | 1546.44% | -1409.44% | 38th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.16% | 7.34% | -2.18% | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.04% | 19.49% | -3.45% | 58th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.04% | 19.52% | -3.48% | 57th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.69% | 20.61% | -3.92% | 54th above |
| Leverage Ratio | 10.39% | 12.14% | -1.75% | 39th below |
| Equity / Assets | 9.89% | 11.37% | -1.48% | 43rd below |
| TCE / Tangible Assets | 9.89% | 11.08% | -1.19% | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.15% | 80.66% | +8.49% | 30th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.89% | 86.85% | +2.04% | 49th below |
| Wholesale Funding Ratio | 3.51% | 5.04% | -1.53% | 50th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.57% | 6.84% | -0.27% | 66th above |
| Loan Growth (Y/Y) | 17.50% | 7.92% | +9.58% | 90th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.56% | 6.29% | -1.73% | 54th above |
See Aroostook County Federal Savings & Loan Association's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Aroostook County Federal Savings & Loan Association, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Aroostook County Federal Savings & Loan Association profile, how to read a UBPR, or how this data updates.